Mortgage Origination Transformation — Project Painkiller
Reimagine 1st Summit Bank's mortgage process end-to-end and implement automation wherever practical — leveraging existing Encompass® functionality to create a more efficient, scalable, and frictionless mortgage origination experience. This engagement redesigns the borrower journey, modernizes front-end customer interactions, automates qualification and decisioning, establishes differentiated service models, strengthens quality controls, and creates a standardized operating framework across all ten workstreams — from digital borrower experience through controls and risk management.
MWP brings proven Enhanced Conditions workflows refined across prior Encompass® migrations — not a from-scratch build, but a configuration grounded in what already works for lenders like Toll Brothers.
Pre-built condition rule libraries and document mapping guidance are brought into the engagement and tailored to Toll Brothers' loan types and product mix — accelerating the build instead of starting from zero.
Conditions are automatically triggered, populated, and cleared based on AUS findings and matched document types — reducing manual UW and processor touches on routine files.
Digital borrower experience redesign — landing page, portal, guided intake
Encompass® integration, automated workflow triggers, and data mapping
Automated decisioning engine and credit integration (Xactus automation)
White Glove and Standard workflow models with defined SLAs
Quality assurance program with error tracking and scorecards
Organizational role redesign, training curriculum, and documentation
User acceptance testing across every workstream
SOC-1 control review and enhanced control framework
Discovery, digital borrower experience, and Encompass integration build
Decisioning through go-live — quoted as a single fixed price, not billed month-to-month
Covers all six phases above: discovery, digital experience and integration build, decisioning and credit automation, workflow and QA redesign, organizational training, and UAT through go-live — with MWP guidance and hands-on support delivered alongside the 1st Summit Bank team through project completion.